BBAE Advisors LLC

ITEM 5 – FEES AND COMPENSATION

The BBAE MyAdvisor Program charges Clients a single "wrap" fee for investment advisory
services (the "MyAdvisor Program Fee"), as described below. The MyAdvisor Program Fee is
not based on transactions in a Client account, but rather is a bundled fee, which includes the
costs for advisory services, execution, clearance, custody, and account reporting.

In calculating your Assets Under Management (AUM) to which the AUM Advisory Fee
(defined below) is applied to determine your monthly advisory fee amount. All assets held in
your BBAE account (“BBAE Account”), including the cash you invest, the value of the
securities and appreciation thereon, and assets acquired through dividend reinvestments, are
subject to the AUM Advisory Fee outlined above.

Since the asset-based fee is determined by the average daily account balance, if assets are
deposited into or withdrawn from an account after the inception of a month, the base fee
payable with respect to such assets is adjusted accordingly. For the first billing period of our
advisory relationship, the AUM Advisory Fee is calculated on a pro-rata basis. In the event the
BBAE Asset Allocator Client Agreement is terminated, the AUM Advisory Fee for the final
billing period is prorated through the effective date of the termination and the outstanding
portion of the AUM Advisory Fee is charged to the Client. Clients authorize BBAE and BBAE's
associated entities, through the Advisory Account Agreement, to deduct fees directly from
Client custodial accounts at Apex or from their funding source. See “Direct Fee Debit of
BBAE’s Fee” below.

BBAE imposes a mandatory cash reserve requirement (the “Cash Reserve”) on certain
investment strategies to pay the BBAE AUM Advisory Fees and other expenses, as detailed
below. If a Client wishes to withdraw cash, BBAE will sell other assets in the BBAE Account to
maintain the Cash Reserve.

The Cash Reserve that Clients are required to maintain in their Account is as follows:

                   Type of Investment/Assets                    Cash Reserve Required
     Equities, including ETFs, and Fixed Income Securities       0.50% of total AUM

Fee Discretion

BBAE, in its sole discretion, may from time to time offer lower fees through promotions and
other discounts to some accounts, and/or negotiate separate fee and billing arrangements
with some Clients, or employees of BBAE or its affiliates, that differ from the stated fees
above. Conversely, from time to time, BBAE may in its sole discretion also raise its fees.
Negotiated fees may differ based on factors, including but not limited to, the type and size of
the account, the historical and/or expected size and number of trades for the account, and
the services to be provided to the Client.

Any such program or initiative may be expanded, narrowed, suspended, cancelled, or
modified at any time by BBAE. To the extent any such program or initiative is cancelled or
terminated, Clients will once again be charged the then-current fees, as applicable, on a going
forward basis. BBAE shall have sole discretion in determining whether or not any existing
Client or potential Client meets the requirements to participate in and/or benefit from any

BBAE Advisors LLC |   www.bbae.com                                  Revised: March 2026

such program or initiative, and BBAE shall not be liable to the Client or any other party in
connection with any such decision and/or in connection with the administration of any such
program or initiative generally.

Brokerage, Clearing, Service Provider, and Regulatory Charges

BBAE's fees do not cover certain charges imposed by our clearing firm, Apex Clearing
Corporation (“Apex”). These types of charges include, but are not limited to, wire transfer fees,
paper statement fees, and bounced check fees. BBAE shares in certain fees paid by the Client
to Apex or otherwise (including, without limitation, additional fees for the preparation and
delivery of paper documents, account transfers, and other services) and anticipates sharing in
certain revenue paid for directing orders to particular broker-dealers or market centers for
execution, which will create a conflict of interest for BBAE in performing its services pursuant
to the BBAE Asset Allocator Client Agreement. Please see the relevant section for additional
information regarding such payment for order flow arrangement. Clients also pay their own
taxes on gains and income in connection with the account and its activities.

The issuer of some of the securities purchased for Clients, such as ETFs and American
Depository Receipts, may charge product fees and expenses that affect Clients. BBAE does
not charge these fees to Clients and does not benefit directly or indirectly from any such fees.
An ETF typically includes embedded expenses that may reduce the fund’s net asset value, and
therefore directly affect the fund's performance and indirectly affect a Client’s portfolio
performance or an index benchmark comparison. These fees are in addition to the fees
Clients pay to BBAE. Clients should review all fees charged to fully understand the total
amount of fees they will pay.

To facilitate the execution of trades, regulatory Trading Activity Fees (TAF) are added to
applicable sales transactions. The Securities and Exchange Commission (SEC) regulatory fee is
assessed on client accounts for sell transactions, and a FINRA fee is assessed on client
accounts for sell transactions, for certain covered securities. This fee is not charged by BBAE
but is accessed and collected by Apex. Apex is a FINRA member firm. These fees recover the
costs incurred by the SEC and FINRA for supervising and regulating the securities markets
and securities professionals.

The fee rates vary depending on the type of transaction and the size of that transaction.
Trading Activity Fees (“TAF”) rates are: $0.000195 per share for each sale of a covered equity
...

Item 7 – TYPES OF CLIENTS

The MyAdvisor Program is available for various types of clients, including natural persons
(individuals) and legal entities (such as corporations, partnerships, and limited liability
companies). It is designed to provide investment advice to individuals who are U.S. citizens or
lawful residents of the U.S., as well as to non-U.S. residents with a W8-BEN on file.
Individuals must have a social security number or individual taxpayer identification number, a
residential mailing address, and maintain a banking account. To create an advisory account,
BBAE requires a minimum account size of $2,000 for individual taxable accounts; this
requirement is communicated clearly during the onboarding process before account creation.
If funds are withdrawn and the account is reduced below this amount, BBAE reserves the
right to close a Client’s account. BBAE reserves the right to change its minimum account size
or value in the future at its discretion and to impose a maximum account size or value in the
future at its discretion.

Participation in the Programs requires that the Client successfully complete a new account
application, including the submission of various personally identifiable information required
by U.S. federal law or its equivalent for non-U.S. residents. Clients approved for an investment
advisory account must maintain a brokerage relationship pursuant to a Customer Agreement
with BBAE’s affiliated broker-dealer, Redbridge Securities LLC, and Apex.